Righter Insurance

09/03/2026

WHAT IS A FORMULARY AND HOW DO DRUG TIERS WORK?

A formulary is the list of prescription drugs your health plan covers, sorted into tiers. Each tier has its own copay or coinsurance. A drug that is not on the list is generally not covered at all.

Understanding the tiers is the single cheapest way to reduce what your team spends on medication.

09/01/2026

Saving money for the future is a good way to help protect your financial health and prepare for the unexpected. When it comes to planning for medical costs in particular, a flexible spending account (FSA) can come in handy. Learn more about FSAs and how they can help you save and pay for qualified expenses in our latest blog post.

https://righterinsurance.com/3047-2/

08/27/2026

Women's health benefits are evolving—and so should your benefits strategy. From fertility and maternity care to menopause support, today's workforce needs comprehensive, whole-life care. Read our latest blog post to discover the four trends shaping employer-sponsored benefits and five practical strategies HR leaders can implement today.
https://righterinsurance.com/3041-2/

As the modern workforce evolves, employer-sponsored benefits must adapt to meet changing demographic demands. Women comprise nearly half of the U.S. workforce and are its primary consumers of healthcare services. Today, standard health coverage is shifting away from a pregnancy-only lens to an inclu...

08/25/2026

It’s almost time for open enrollment! This is your annual opportunity to fine-tune your health coverage. Read our latest infographic to learn about how open enrollment works.

08/20/2026

Today's workforce is looking for support through every stage of life—from family planning and pregnancy to menopause and beyond. Learn how employers are rethinking benefits to improve employee well-being, retention, and healthcare outcomes.
https://vimeo.com/1215906018?share=copy&fl=sv&fe=ci

Today's workforce is looking for support through every stage of life—from family planning and pregnancy to menopause and beyond. Learn how employers are rethinking benefits to improve employee well-being, retention, and healthcare outcomes.

08/18/2026

Medicare Part D is evolving again—and employers with Medicare-eligible employees or retirees should be ready. From the $2,100 prescription drug out-of-pocket cap in 2026 to new creditable coverage calculation requirements in 2027, these updates could affect your benefits strategy.

Read the blog for the key IRA changes, important deadlines, and what employers should review now.
https://righterinsurance.com/3007-2/

The Inflation Reduction Act of 2022 (IRA) continues to reshape the Medicare Part D program in 2026 and 2027, with changes aimed at lowering prescription drug costs for beneficiaries that may also affect employer-sponsored drug coverage. 2026 Updates Annual out-of-pocket (OOP) limit: Increased to $2,...

08/14/2026

Shopping for health insurance? Don’t overlook the Summary of Benefits and Coverage. The more you know, the more you save!

08/06/2026

Don't hit pause on your health coverage! Open enrollment is your chance to customize your insurance plan for the upcoming year. Assess your needs, evaluate costs, and make any necessary changes. Remember, once this window closes, changes may not be possible. Watch this video to learn the “5 C’s”of enrollment.

https://vimeo.com/1212473307?share=copy&fl=sv&fe=ci

Don't hit pause on your health coverage! Open enrollment is your chance to customize your insurance plan for the upcoming year. Assess your needs, evaluate costs, and make any necessary changes. Remember, once this window closes, changes may not be possible. Watch this video to learn the “5 C’s....

08/04/2026

Is your current benefits plan still the right fit? Open enrollment season is around the corner, and it's time to fine-tune your insurance plan. Discover how to navigate the world of health insurance – from eligibility to enrollment deadlines, empower yourself with the knowledge to secure the right coverage!
https://righterinsurance.com/3023-2/

Open enrollment is more than just a checkbox on your to-do list. It’s your annual opportunity to design a financial and health safety net that fits your life. Because your needs today might be different than they were a year ago, we want to make sure you have the tools to choose wisely. To help

07/30/2026

What if your most dedicated employee is also someone's full-time caregiver? Learn how supporting working caregivers can improve retention, reduce burnout, and strengthen your workplace.
https://vimeo.com/1210004603?share=copy&fl=sv&fe=ci

Many employees are working two full-time jobs—one at work and one at home. They're part of the "sandwich generation," balancing careers while caring for both aging parents and growing children. Read our latest blog post to discover how employers can better support caregivers and build a stronger, ...